Roselle, New Jersey · Peer group 1
Heard A.M.E. Credit Union
Heard A.M.E. Credit Union holds $174K in assets across 189 members as of Q1 2026 — about $922 of assets per member, on a charter dating to 1980. Charter number 23615, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $174K |
|---|---|
| Total loans | $45K |
| Total shares (deposits) | $158K |
| Net worth | $15K |
| Members | 189 |
| Assets per member | $922 |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -13.6% | |
|---|---|---|
| Loans | 19.4% | around the 86th percentile of its peer group |
| Deposits | -17.2% | lower than 90% of its peer group |
| Members | 3.3% | around the 89th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 28.6% | around the 33rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.4% | lower than 91% of its peer group |
| Return on assets | 2.61% | higher than 90% of its peer group |
| Delinquency ratio | 2.88% | around the 64th percentile of its peer group |
| Cash / assets | 30.5% | around the 53rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Heard A.M.E. Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
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- Ocean County Employees Credit Union
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